Standard home insurance policies often don’t provide sufficient coverage for these types of assets, leaving you at risk of being underinsured. Valuable Articles insurance ensures your personal items are fully protected against damage, loss, theft, or destruction.
Whether it’s a family heirloom, a fine art collection, or an investment piece, our high-value insurance policies give you peace of mind knowing your valuable property is covered by a policy tailored to its unique needs.
Key Features of High-Value Personal Property Insurance:
Agreed Value Coverage: With high-value Valuable Articles insurance, our carriers offer agreed value coverage, which guarantees that your items are insured for their full market value, ensuring no depreciation is taken into account.
Worldwide Coverage: Many valuable items, like fine jewelry or rare artwork, may be taken outside your home. Most policies provide worldwide coverage, so your possessions are insured no matter where you are.
No Deductible for Loss or Theft: If your valuable article is lost or stolen, you may not have to pay a deductible. This is one of the key benefits of Valuable Articles insurance, making it more advantageous than standard policies.
Comprehensive Protection: This insurance covers a wide range of risks, including accidental damage like scratching or marring, fire, theft, flooding, and even the risk of your items being lost in transit when moved or shipped.
Expert Claims Support: Should something happen, our carriers have experts on hand that are trained to handle Valuable Articles claims with sensitivity and expertise, ensuring quick and fair resolution for your claims.
Who Needs High-Value Personal Property Insurance?
High-value personal property insurance is ideal for individuals who own or possess valuable items that go beyond the typical coverage limits of standard home insurance policies, including:
Jewelry Collectors and Enthusiasts: If you own valuable pieces such as diamonds, gold, or antique jewelry, this coverage ensures they are fully protected against theft, damage, or loss.
Art Collectors and Investors: Whether you’re a seasoned art collector or an investor in fine art, high-value insurance protects your artwork from damage, theft, or natural disasters.
Watch Enthusiasts: Luxury timepieces, often worth tens or even hundreds of thousands of dollars, require specific insurance coverage to ensure they’re adequately protected.
Fur Owners: Fur coats and other high-end fur items need specialized coverage to protect against damage or theft, as they often aren’t fully covered by standard home insurance policies.
Rare Collectibles: Whether it’s rare coins, vintage wines, limited-edition memorabilia, or antique furniture, Valuable Articles insurance covers your rare and valuable collectibles.
People with Luxury and Designer Goods: If you own high-end items such as designer bags, fine china, or other luxury items, high-value insurance ensures they are covered in case of loss, theft, or damage.
Benefits of High-Value Personal Property Insurance:
Peace of Mind: Knowing that your most prized possessions are insured against theft, damage, or loss gives you peace of mind, allowing you to enjoy your valuable items without worry.
Protection Against Depreciation: Unlike typical insurance policies that depreciate the value of your items over time, high-value personal property insurance guarantees full value for items that may appreciate in value, such as fine art or rare collectibles. In some cases, they even increase the value of a Scheduled item, ensuring that you are fully protected.
Worldwide Protection: Your valuable articles are covered no matter where they are, offering protection even when traveling or shipping items internationally.
Contact Us for a Quote
Ready to protect your valuable possessions with the best coverage available? Reach out today to get a personalized quote for your jewelry, fine art, collectibles, and more. Let us help you safeguard your most treasured assets.
